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Begin the Journey Path to “Financial Wellness” Today!

Are you feeling the stress of rapidly increasing gas and food prices?  Today is a good day to begin changing your financial situation! Start by learning about important money matters and taking steps to improve your money skills.

These five steps will help you on your path to “financial wellness.”

  1. Make a commitment.  Changing your relationship with money is not easy—it takes hard work and commitment.  Set a financial goal, commit to it, and become an American Saver at http://americasaves.org .  Also, visit http://financialliteracymonth.com for more resources.
  2. Assess your financial situation.  Don’t hide your head in the sand.  Truly look at your financial situation by completing a net worth statement.  Your net worth is the value of all of your assets minus the total of all of your liabilities. Put another way, it is what you own minus what you owe. Knowing where you are today will help you determine the best path toward meeting your financial goals.  For a net worth worksheet:   http://bit.ly/hjfnQP
  3. Get Organized.  Getting your financial house organized is a great way to begin on a clear path toward financial wellness.  Visit Organize Your Financial Life or your local Extension office to receive a free copy of the “Money Management Calendar.”
  4. Set priorities.  Understanding the difference between needs and wants will help you establish financial priorities and set realistic goals.
  5. Live on a Spending/Savings Plan (a.k.a.—“budget”). Spending less than you earn is easier said than done!  A solid plan is the most important element for financial success.

Changing money management habits and your relationship with money can be hard work, but the payoff is priceless.  Remember:  stay flexible on your financial journey, revisit your plan, and make needed changes.  Additional resources

Author: Elaine A. Courtney

Living Well in the Panhandle

Permanent link to this article: http://leon.ifas.ufl.edu/newsletters/2012/05/09/begin-the-journey-path-to-financial-wellness-today/

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